Interventions - Retirement Savings Laboratory

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Interventions - Retirement Savings Laboratory

INTERVENTIONS WITH RESULTS

COLOMBIA

Redesign of pension contribution statements. In Colombia, 4 out of every 5 workers affiliated with the defined benefit pension system fail to obtain a pension. How can we encourage workers to verify the registration of their contributions to the pension system?

COLOMBIA

Email campaigns to increase contributions to the pension system. In Colombia, only 3 out of 5 self-employed workers contribute towards their pension. How to promote voluntary savings?

COLOMBIA

SMS to increase voluntary retirement savings. A large proportion of Colombian workers do not regularly contribute to the pension system, especially those with volatile or very low incomes. How to change this reality using SMS?

COLOMBIA

Harnessing the power of big data. There are multiple reasons that limit voluntary savings among low-income populations. How can we target people with high propensity to save?

CHILE

Informational letters and subsidies to promote voluntary savings. The vast majority of workers in Chile do not voluntarily save for their pension. How can we change that?

CHILE

Promotion of voluntary savings among BancoEstado customers. There are multiple reasons that limit pension savings in Chile. How to counteract the psychological biases that can limit long-term savings?

CHILE

Tax refunds and savings for retirement in Chile. For a long time, independent workers in Chile have not had the obligation to contribute to the pension system. How to promote the recent reforms to incorporate them gradually?

CHILE

Financial and pension education in Chile. Defined contribution pension systems require the population to have a relatively deep understanding of financial and pension concepts. What impact do initiatives to increase the level of pension education have?

MEXICO

Application of behavioral sciences to formalize workers in Mexico: tax compliance and social security. Compliance with fiscal and social security obligations remained low after the launch of the Fiscal Incorporation Regime. How to improve compliance using SMS text messages?

MEXICO

Encouraging pension savings through social networks. Although in Mexico there are multiple alternatives to contribute to the pension system, the vast majority of workers do not save for their pension. How can we take advantage of social networks to encourage voluntary pension savings?

MEXICO

Leveraging commercial networks to facilitate pension savings. In Mexico, only 1 in 10 workers in the poorest 40% of the population is saving for retirement. How can we train independent shopkeepers in retirement savings mechanisms and offer incentives to entice them to promote savings in their stores?

MEXICO

SMS to promote voluntary retirement savings in Mexico. The great majority of workers in Mexico do not save (or save little) for their retirement, in some cases because they are informal or they work independently. How can a SMS reminder strategy encourage savings?

MEXICO

The challenge of getting domestic workers to save for retirement. 97% of domestic workers in Mexico do not have coverage against the risks of accidents at work, illness and old age. How to motivate them to enroll in social security, considering how difficult it is to contact them?

MEXICO

Push messages to promote voluntary savings. The vast majority of workers in Mexico do not save, or save very little for retirement. How to use the notifications of the AforeMóvil application to change this reality?

PERU

Letters to improve compliance with the social security contributions and the employment quota for people with disabilities. The informality rate in Peru reaches 78%, while there is almost no compliance with the employment quota for people with disabilities. How to change this reality using lessons from behavioral economics?

PERU

Digital Savings for On-demand Platform Workers. Digital platforms connect consumers with independent workers in the so-called on-demand platform economy. How can we take advantage of the potential benefits these platforms provide to promote voluntary savings?